BlastPoint's Credit Union Scorecard

DISTRICT 62 HIGHWAY

Charter #14375 ยท LA

2596 CUs in <100M nationally 108 in LA

DISTRICT 62 HIGHWAY has 4 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.30% below tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Members 788
-0.8% YoY-0.3% QoQ
-1.8K 2,625
-2.2% YoY
9,352
+2.6% YoY
33,089
+6.1% YoY
23%
Assets $6.6M
+4.7% YoY+1.4% QoQ
$-23.3M $29.9M
+1.1% YoY
$121.4M
+4.9% YoY
$547.7M
+7.8% YoY
24%
Loans $4.0M
+9.4% YoY+12.5% QoQ
$-11.8M $15.8M
-2.4% YoY
$86.9M
+5.1% YoY
$388.7M
+8.6% YoY
29%
Deposits $5.6M
+5.2% YoY+1.6% QoQ
$-19.9M $25.5M
+0.4% YoY
$103.9M
+6.5% YoY
$464.6M
+9.3% YoY
25%

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ROA 0.4%
+11.6% YoY+7.2% QoQ
-0.3% 0.7%
-731.4% YoY
0.5%
+1.1% YoY
0.7%
+273.4% YoY
31%
NIM 2.9%
+10.1% YoY-1.4% QoQ
-1.0% 3.9%
+3.8% YoY
4.3%
+3.2% YoY
3.7%
+5.0% YoY
16%
Efficiency Ratio 78.4%
-10.3% YoY+1.0% QoQ
-3.0% 81.4%
-2.4% YoY
82.9%
-3.6% YoY
79.1%
-3.3% YoY
50%
Delinquency Rate 0.0% -1.5 1.5%
-2.0% YoY
1.8%
-12.2% YoY
1.2%
-0.9% YoY
Bottom 0.0% in tier
Loan To Share 71.4%
+4.1% YoY+10.7% QoQ
+10.1% 61.2%
-3.0% YoY
70.9%
-2.6% YoY
68.0%
-1.7% YoY
64%
AMR $12,080
+7.7% YoY+6.1% QoQ
$-3K $14,627
-2.7% YoY
$13,297
+2.9% YoY
$19,418
+1.3% YoY
40%
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
15.0%
+9.1% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
5.3%
+10.6% YoY
7.9%
-2.9% YoY
50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2596 peers in tier

Top Strengths (7 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
299
Loan Growth Rate
growth
Value: 9.45%
Peer Avg: -
#299 of 2596 Top 11.5% in <100M tier
384
AMR Growth Rate
growth
Value: 7.73%
Peer Avg: -
#384 of 2596 Top 14.8% in <100M tier
596
Deposit Growth Rate
growth
Value: 5.17%
Peer Avg: -
#596 of 2596 Top 22.9% in <100M tier

Top Weaknesses (5 metrics)

2202
Members Per Employee (MPE)
engagement
Value: 197.000
Peer Avg: -
#2202 of 2596 Bottom 15.2% in <100M tier
2178
Net Interest Margin (NIM)
profitability
Value: 2.93%
Peer Avg: -
#2178 of 2596 Bottom 16.1% in <100M tier
2009
Total Members
engagement
Value: 788
Peer Avg: -
#2009 of 2596 Bottom 22.7% in <100M tier
1987
Fee Income Per Member
profitability
Value: $15.32
Peer Avg: -
#1987 of 2596 Bottom 23.5% in <100M tier
1966
Total Assets
balance_sheet
Value: $6.56M
Peer Avg: -
#1966 of 2596 Bottom 24.3% in <100M tier
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